【中文版】

保险额是指保险合同中约定的保险金额，是保险公司承担赔偿或给付责任的上限。在财产保险中，保险额通常是按照被保险财产的实际价值或者购买价格确定，而在人身保险中，保险额则是由投保人和保险公司共同协商确定。

在财产保险中，如果被保险的财产遭受损失，保险公司将根据保险额和损失程度来赔偿，最高不超过保险额。例如，如果一辆车的保险额为10万元，但实际价值只有5万元，那么在车辆损失后，保险公司最多只赔偿5万元。

而在人身保险中，保险额通常表示为投保人可以获得的最高保障额度。如果被保险人发生合同中约定的疾病或者意外事故，保险公司将根据保险额和实际情况来给付赔偿，最高不超过保险额。例如，如果一份医疗保险的保险额为10万元，但实际医疗费用只有5万元，那么保险公司最多只给付5万元。

需要注意的是，保险额并不一定是越高越好，因为高保险额通常意味着高保费和更高的保险公司风险。因此，在选择保险产品时，投保人需要根据自己的实际需求和经济能力来选择合适的保险额。

【英文版】

Insurance amount refers to the agreed insurance sum in the insurance contract, which is the maximum limit of compensation or payment liability of the insurance company. In property insurance, the insurance amount is usually determined based on the actual value or purchase price of the insured property, while in personal insurance, the insurance amount is jointly determined by the policyholder and the insurance company.

In property insurance, if the insured property sustains damage, the insurance company will compensate according to the insurance amount and the degree of loss, with the maximum amount not exceeding the insurance amount. For example, if the insurance amount of a car is 100,000 yuan, but its actual value is only 50,000 yuan, the insurance company will only pay a maximum of 50,000 yuan after the vehicle is damaged.

In personal insurance, the insurance amount usually represents the maximum amount of protection that the policyholder can obtain. If the insured person contracts a disease or accident agreed in the policy, the insurance company will pay compensation according to the insurance amount and actual situation, with the maximum amount not exceeding the insurance amount. For example, if the insurance amount of a medical insurance policy is 100,000 yuan, but the actual medical expenses are only 50,000 yuan, the insurance company will only pay a maximum of 50,000 yuan.

It should be noted that the higher insurance amount does not necessarily mean better, because high insurance amounts usually mean high premiums and higher risks for insurance companies. Therefore, when choosing insurance products, policyholders need to choose an appropriate insurance amount based on their actual needs and financial capabilities.